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Rob is great and easy to work with. Very easy process and would love to work with again.

Brian E. | August 2019

Rob and his team were great. They made this entire process very easy for us. Would recommend them again in a heartbeat.

David E. | August 2019

Yes, we would certainly use Guaranteed Rate again, if the need arose, and in the meantime highly recommend Rob Spinosa and his team to anyone thinking of a home loan. We deeply appreciated Rob's many explanations about home loans and the approval process, and the responsiveness of the entire team (Debbie Barrett, Stacy Chadwell, Theresa Bui, Michael Lewis, Katie Van) through the approval and closing process. The ring of professionalism extends to: the secure methods for transferring all the...

Ramaswami K. | Aug 2019

I have been working with Rob and his team for years and trust his guidance.

Darin G. | Aug 2019

Great team to work with! Rob is super responsive and helpful! Love how easy it is to use the website check list to organize all the documents needed. This really cut down on time and confusion on my side Thank you!!!

Gayle E. | August 2019

Excellent service! Quick response to your questions. Rob is very dependable and you can count on him. Very honest and no hidden fees. Answers calls right away. Highly recommended!

James S. | August 2019

Rob and his team were extremely attentive and always available for a quick response when we had questions.

Carolyn K. | July 2019

Rob Spinosa and his team were a pleasure to work with. They made the loan process very easy and kept us updated on the progress of the refinance. Any questions we had were answered immediately. I would be very confident in referring other people to Rob and his team.

Michael L. | July 2019

I was extremely impressed by Rob Spinosa and his team. They were able to secure the loan with the most favorable terms. I was extremely impressed by the speed and ease of the process.

Lindsay T. | July 2019

Rob was so patient with all of my questions and very knowledgeable. His whole team made themselves available at all hours and made me feel like I was there only client.

Angelica A. | July 2019

This was our second time working with Rob Spinosa and his team. Although we had an offer from another company, he negotiated and provided an even better offer. Specifically, the amount of education we receive from Rob and the amount of transparency he provides makes this experience pleasant and absolutely recommendable.

Hamed Z. | July 2019

Great communication, quick response. Easy process. Good team.

Brendhan G. | June 2019

Rob and Debbie and Theresa, and all the other people on the Rate side we’re super easy to work with, very professional and efficient, answered all my questions when I had them, and facilitated getting me the best rate possible based on my finances!

Peter C. | May 2019

Great, fast and easy service. Rob and his team did an excellent job and were very responsive.

Gregg L. | February 2019

Rob Spinosa was a pleasure to work with. Our home buying experience was a lengthy and emotional process, and Rob was there when we needed him. He was kind and supportive, and was never bothered by our questions. Securing a loan through Guaranteed Rate was relatively painless and we’re happy with our loan product. Thanks for great service!

Susan P. | January 2019

Areas of improvement would be communication within the group as it seemed they were not in one location. Towards the end, I felt pressured from Carmen Rayo to sign documents just to close within 21 days. Aside from that, it was an incredible experience. Rob is very knowledgeable, and I trusted we could complete the transaction without any issues. Very happy all in all.

Susy E. | November 2018

Rob Spinosa is extremely knowledgeable and helpful; he was there every step of the way to answer my questions promptly. Highly recommended!

Herve L. | October 2018

Rob and his team were great to work with. He helped us understand the loan options available to us and made it easy to understand. The document requests were simple to fulfill. Everything was handled in a timely fashion, and all of our questions were answered immediately.
We look forward to working with Rob again on our next loan!

Michael L., October 2018

Thank you Ryan and your team for everything you have done for us, Cash has referred us to you and a million thanks to him for having us work with professional and straightforward people that always looking to provide the best service and satisfaction to their clients. Thank you.

Walid R., October 2018

Rob and Carmen ( and the entire team) were amazing. They went above and beyond to make what due to " our circumstances," could have been an arduous process easy and rewarding. Rob, in particular, was always on his game. Concise, accurate and always with reach, moments away and aware of every step and issue. Impressive and guess what... he "just happens to be a great person." Many thanks, Jack & Lorrie

John C., October 2018

We had a great experience with Rob. We had a few job changes in the middle of our house search, but Rob was great on giving us the detail in each situation as to what house we could afford and was quick to respond to provide us pre- approved information to give us a leg up in our house search to give us a leg up on the competition. Marin county is a hot market and without his expertise we wouldn't have been able to land our house. The process was easy and smooth and I really appreciate Robs...

Brian E. - May | 2018

The team was excellent. I couldn't be happier. I will be back for any future loans for sure! I'm in safe hands with Guaranteed Rate, thanks again!!

Jonathan H. | August 2018

About Rob

As a loan originator since the early 2000's, I have enjoyed the tremendous responsibility of helping hundreds realize the dream of home ownership. Though I very much appreciate and understand the technical complexities of what it takes to be an expert in home lending, my service standard can be distilled down to these fundamental values:

Competency

Accountability

Responsiveness

Efficiency

Optimism

Financial benefit

Over my career I have made an unwavering commitment to put the client first, and this philosophy has helped me achieve top originator rankings on multiple occasions in the publications that track our industry.

I live and work in Marin County, just north of San Francisco, where my wife, Michelle, and I are kept busy by our young son, RJ. Before the demands of parenthood and career prevailed, I was especially fortunate to experience an amateur athletic career that included a 2:49 personal best marathon, reaching the peaks of three of the world's Seven Summits and finishing 14 Ironman Triathlons, three of them at the Ironman World Championship in Kona, Hawaii.

Interview Q&A

Who is your typical customer and what questions do they typically have?

My typical client does a lot of research online --- often via Yelp, LinkedIn and various real estate blogs. Though their needs may vary greatly, I find that the majority of my clients are looking for both service and price and are not interested in settling for one or the other.

What are the top 3 misconceptions people have about the home loan process?

That homes in higher-priced markets require a 20% down payment.
That it's difficult for a self-employed person to qualify.
That they don't need an expert in their corner when it comes to obtaining a mortgage.

What provides you with the most satisfaction in your job as a Loan Officer?

Having a client come in our door with no idea where to start, then having them walk in their door as a homeowner for the first time.